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VIPSX vs MO: Dividend Comparison 2026

VIPSX yields 4.39% · MO yields 9.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $7.2K in total portfolio value· pulled ahead in Year 4
10 years
VIPSX
VIPSX
● Live price
4.39%
Share price
$11.73
Annual div
$0.51
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.4K
Annual income
$0.45
Full VIPSX calculator →
MO
Altria Group Inc.
● Live price
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →

Portfolio growth — VIPSX vs MO

📍 MO pulled ahead of the other in Year 4

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodVIPSXMO
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, VIPSX + MO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VIPSX pays
MO pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

VIPSX
Annual income on $10K today (after 15% tax)
$373.04/yr
After 10yr DRIP, annual income (after tax)
$0.38/yr
MO
Annual income on $10K today (after 15% tax)
$774.11/yr
After 10yr DRIP, annual income (after tax)
$3,444.81/yr
At 15% tax rate, MO beats the other by $3,444.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VIPSX + MO for your $10,000?

VIPSX: 50%MO: 50%
100% MO50/50100% VIPSX
Portfolio after 10yr
$24.1K
Annual income
$2,026.58/yr
Blended yield
8.42%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

VIPSX
No analyst data
Altman Z
33.0
Piotroski
5/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
+36.7% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VIPSX buys
0
MO buys
0
No recent congressional trades found for VIPSX or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVIPSXMO
Forward yield4.39%9.11%
Annual dividend / share$0.51$4.08
Payout ratio50%78%
1-year div growth0%4.1%
5-year div CAGR-50%4.3%
Portfolio after 10y$20.4K$27.7K
Annual income after 10y$0.45$4,052.72
Total dividends collected$444.00$20.9K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: VIPSX vs MO ($10,000, DRIP)

YearVIPSX PortfolioVIPSX Income/yrMO PortfolioMO Income/yrGap
1$10,919$219.44$10,740$949.88+$179.00VIPSX
2$11,796$111.97$11,601$1,086.84+$195.00VIPSX
3$12,678$56.52$12,608$1,250.75+$70.00VIPSX
4← crossover$13,594$28.39$13,792$1,448.20$198.00MO
5$14,560$14.22$15,190$1,687.69$630.00MO
6$15,586$7.12$16,851$1,980.28$1.3KMO
7$16,680$3.56$18,838$2,340.48$2.2KMO
8$17,850$1.78$21,230$2,787.44$3.4KMO
9$19,100$0.89$24,130$3,346.72$5.0KMO
10$20,438$0.45$27,676$4,052.72$7.2KMO

VIPSX vs MO: Complete Analysis 2026

VIPSXStock

This fund is designed to protect investors from the eroding effect of inflation by investing primarily in securities that seek to provide a ”real” return. The fund focuses on investments in inflation-protected bonds that are backed by the full faith and credit of the federal government and whose principal is adjusted based on inflation. The fund has moderate to high interest rate risk, meaning that changes in interest rates, both up and down, can affect the fund by resulting in lower bond prices or an eventual decrease in income. In addition to typical movement in bond prices, income can fluctuate more in this fund because payments depend on inflation changes. Investors with a long-term time horizon may wish to consider this fund as a complement to an already diversified fixed income portfolio.

Full VIPSX Calculator →

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.